Personal Financial Literacy
Earning, spending, saving, credit, borrowing, investing and insurance. A brand-new requirement means schools are still settling on materials, so we work from your student's syllabus.
Texas · Online tutoring
Online finance tutoring for families in Pearland.
Texas students who start ninth grade in 2026 to 2027 or later must complete a half-credit personal financial literacy course to graduate, so this year's Pearland ISD freshmen are the first class it applies to. I tutor that course, AP Business with Personal Finance and college finance, one-on-one over Zoom.
Private 1-on-1 on Zoom · $250 / hour
Book a session
The courses
What we work on.
Bring your slides, problem sets, and your last midterm. We work from your actual course.
Building a credit history
Utilization, payment history and what a first card should look like. The math is short, and getting it right early pays off for years.
AP® Business with Personal Finance
College Board's newest AP course, with the first exam in May 2027. I tutor the subject whether or not your student's school offers the course yet.
Corporate finance over break
Students home from Texas A&M, UT, Rice or anywhere else often bring their hardest class with them. Break is the best time to fix it before the next exam.
Local schools
Schools in and around Pearland.
What a student studies in finance depends on the school and the state. Checked November 5, 2026.
- Pearland High School Pearland
- Glenda Dawson High School Pearland
- Robert Turner College and Career High School Pearland
A new required course, starting with this year's freshmen
Under HB 27, students entering ninth grade in 2026 to 2027 or later must complete a half-credit personal financial literacy course instead of the half credit in economics. The State Board of Education adopted matching rule changes in June 2026. Students who entered ninth grade earlier keep the rules in place when they started. The rule covers public school graduation.
A few of the public high schools that serve the area, named for context only. Online Finance Tutor isn't affiliated with any of them, and your assigned school depends on your address, so check with the district.
A first-paycheck example
A student works 15 hours a week at $15 an hour. Gross pay is $225. Social Security and Medicare take 7.65%, which is $17.21, before any federal income tax comes out. Texas has no state income tax, so that is the end of the list for state taxes. Explaining the gap between gross and net pay is one of the first things a financial literacy course asks for, and it's a good place to start a session.
Pearland · Texas
Where students get stuck.
Paychecks and taxes
Gross pay, net pay and withholding look nothing like math class. Texas has no state income tax, but federal tax, Social Security and Medicare still come out of a first paycheck.
Compound interest
The same compounding that grows savings grows debt. Seeing both sides with the same numbers is when it clicks.
Budgets that survive a month
A budget on paper is easy. Making one that holds up against a phone bill, gas and a Friday night is the part nobody practices.
For parents
Parents usually book. Your student joins on Zoom from home after school or on a weekend, around practice and games, with no drive on Highway 288 or Beltway 8. We're on Central time. Send me the course, the school and what's giving your student trouble, and I'll tell you honestly whether I can help.
How a session works
Diagnosis first. Then the fix.
- 01
Before we meet
Send me what you're stuck on: a problem set, slides, your last midterm, a practice exam, last week's quiz.
- 02
On Zoom
You walk me through a problem out loud. It usually takes a few minutes to hear where the reasoning goes sideways. We fix that piece and rebuild from there, so you know why each step works.
- 03
Before we finish
The real test: a fresh problem with new numbers and different wording, the way a midterm would ask it, and you solve it yourself. I don't complete assignments or hand over answers. You leave able to do the work.
Your tutor
Studied it. Worked in it. Now I teach it.
I’m Chi Odogwu. I have a B.S. in Business with a finance specialization from Liberty University, earned summa cum laude in three years, and a Master’s in International Economics and Finance from Brandeis. I tutored IB students in grad school, did valuation and private equity consulting at PwC, taught MBA finance at Florida State, and spent three years as an adjunct professor teaching Business Finance.
Questions
Before you book.
Do you tutor in person in Pearland?
No. Every session is on Zoom, so there's no travel and scheduling fits around practice, work and activities. We're on the same Central time zone.
Does the new Texas requirement apply to my older student?
Only to students entering ninth grade in 2026 to 2027 or later. Students who entered earlier keep the social studies requirements in place when they started.
Can a younger student start before high school?
Yes. Budgeting, credit and loans make sense well before ninth grade, and a student who has seen them once finds the required course much easier.
My student goes to a private school. Does HB 27 apply?
The rule covers public school graduation. Ask your student's school which course they take, and we'll work from that course and its syllabus.
Does my student's school offer AP Business with Personal Finance?
Ask the school. The course is brand new for 2026 to 2027 and each school decides whether to offer it. I tutor the subject either way, including students studying for the exam on their own.
Will tutoring get in the way of my student's teacher?
No. I work from the teacher's materials and never complete graded work, so sessions support the class instead of replacing it.
Is tutoring allowed under my school's honor code?
Tutoring on concepts and practice problems is generally fine, but policies on graded work vary by course. I don't complete graded assignments. Check your syllabus's collaboration policy, and if you're unsure, ask your professor.
Get started
Bring the problem you’re stuck on.
Tell me your course and what isn’t clicking. I’ll tell you honestly whether I can help.
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